Detected in the CFPB-filed cardholder agreements from Matanuska Valley Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
Show the exact wording ↓Hide wording ↑
“…r investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 18. AMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 19. GOVERNING LAW. This Agreement…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16%
Median16%
Highest offered16%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16%
Median16%
Highest offered16%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee$5
Foreign transaction fee2%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Statement Copy Fee$2.50
Return Item FeeWe may impose a fee for any amount returned unpaid as a returned item fee.
Card Replacement FeeWe may impose a card replacement fee or a fee for an additional card that is issued to an authorized user at a time other than when the account is opened.
Late fee policy: Maximum $15.00 late fee, not to exceed the minimum payment due.
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone907-745-4891
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.00%$480
Annual / periodic fees$0
Total yearly cost$480
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Matanuska Valley Federal Credit Union in the 2026 Q1 archive.